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Old 12-02-2020, 06:23 PM   #1
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insurance claim water damage

On the advice of a rv dealership, I submitted a water damage claim to Geico,.The damage is to the floor in front of the door. Maybe a 3x5 ft section is soft. anyone submitted claims like this ? I have a 2012 Forrest River windjammer, purchased new. as part of my rv forever warranty, yearly get the units state inspected, furnace cleaned, wheels lubed, water heated serviced along with checking the roof and sealing areas needed. In short, all recomended service was done. I also inspect the roof several times a year., and repair any place that needs it. Early inspection appears the water came in around the door. In reading reviews, chances of the claim being denied are pretty good. what do you think ?? The adjuster has not contacted me yet to inspect the damage. What can I expect.
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Old 12-02-2020, 07:15 PM   #2
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wait, forever warranty, you found a problem and they tell you to send the bill to someone else?
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Old 12-03-2020, 11:29 AM   #3
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Unless there's proof of physical damage I'd say the chance of it being denied is pretty high.

Since you have the 'Forever' insurance (because it's not a warranty) and can prove the required upkeep and maintenance has been done, I'd turn it in to them and let them handle it.
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Old 12-03-2020, 12:48 PM   #4
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Without us knowing what insurance you have with Geico, It's hard to say whether they will cover it or not. Is this Geico insurance a rider policy or just part of a typical R/V accident/liability policy?

What is this 'forever' warranty you speak of?
Most of those are not worth the paper they are written on and as you have witnessed, actually COST you money each year just to keep them in effect.
Why did they not cover it?
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Old 12-03-2020, 01:03 PM   #5
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Here's what my insurance told me when I was going to submit a claim for a prior RV.

Anything due to lack of proper maintenance, not covered. Anything due to physical damage (hit a tree, meteorite hit the RV, etc.) would be covered. Surprisingly, if the RV froze due to lack of winterization (very unlikely where I live) then leaked upon thaw, this would be covered.

My guess is that this will vary from company to company.
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Old 12-03-2020, 01:39 PM   #6
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insurance coverage is designed to make money for the insurer... period

what is your deductible?
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Old 12-03-2020, 04:35 PM   #7
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You are not covered in any way by your Forever Warranty. The ONLY things they cover are listed at the link...and then if you don't follow the annual requirements they are not. Nothing to do with the coach structure or roof or leaka is mentioned.
They WILL provide you with the full legal contract that applies to your unit online if you fill in your details. Suggest you do that...I'd love to see the whole thing which they USED to post for everyone...but no longer do. Guess that didn't work out.

https://www.naenwan.com/rv-warranty-forever#coverage
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Old 12-03-2020, 06:17 PM   #8
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thanks for the replies, I will be amazed if they cover the damage. Adjuster to look at it next week, stay tuned. dealer stated insurance company's cover about little over half of the ones he has handled. You never know till you ask.
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Old 12-04-2020, 07:30 AM   #9
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Charles Firth I was following your repairs on the WJ thread. Our insurance claim for a new roof membrane on our WJ was just approved. I think the way our RV dealership wrote up their quote was helpful. They sited the major damage from a tree limb - not just normal wear and tear. While talking to our claims adjuster he asked about water damage. I told him we did not have any since the unit is under a cover now. He was surprised but said that was good. I inferred they cover water damage if is associated with other damage. State Farm also covers the TT for floods while our former insurance with Allstate did not. So far so good with State Farm. Good luck on your claim!
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Old 12-04-2020, 08:29 AM   #10
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Regardless of who pays I see new flooring in your future....

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Old 12-04-2020, 06:43 PM   #11
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agree, we will see who pays for it. I am not holding my breath. One of their reps called me today, asked a bunch of questions, mostly regarding upkeep, where was it stored, how often was it checked etc. all the questions were geared toward maintanace issues. I was anal for always checking on the camper and taking care of any issues. It has been serviced by the dealer every year since 2012, and they have all the records. They are the only ones that have worked on the camper. Time will tell, the adjuster still has to view the damage, it would be nice if it was covered, like I said I m not holding my breath.
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Old 12-10-2020, 06:09 PM   #12
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soft floor update ;

I talked with the rv dealer today. He said that the insurance adjuster from Geico viewed the camper today. They both inspected the floor, and found that the floor is thin luan wafer board, placed on stryofoam with black sheeting under that. They were unable to find the location of the leak, the roof and walls were ok, so it remains a mystery. The bad news the dealer sees no way to repair it, there is nothing to support a new floor. The insurance adjuster was also perplexed. It is now in the insurance adjusters hands. The dealer thought it to be a total loss, since there is no way to repair. its probably a 3x5 ft section. Waiting on the adjuster now to decide the outcome. I thought Forrest River was a top of the line camper, this is my first camper and maintained it with an open check book. Not pleased with the water damage, or the construction of the floor, I guess it was constructed this way, to save money and weight. Now its in the adjusters hands, if they cover it and its totaled I will NOT be purchasing another Forrest River product for replacement. If its totaled and not covered, my camper days are done. In my 70s not a good idea to purchase a new toy.
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Old 12-10-2020, 06:32 PM   #13
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Sorry to hear the inspection result. In addition to your two options...there may be a third assuming the unit is road worthy rather than camping ready. That would be to talk with FR and see if they would work with you to repair the camper on a cost basis if you drove it to their place in Indiana. They do great work out there and are usually very customer service oriented and KNOW how everything is put together. If you struck up a dialog with them making clear you need help rather than a warranty claim...they might be able to prevent a total loss with an acceptable bill. A full description accompanied by pictures would probably help the cause. Good luck in any event.
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Old 12-10-2020, 06:33 PM   #14
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I would guess that it "can" be repaired, but given the age of the rig along with insurance coverage actual cash value vs. actual replacement cost, it will probably be cost prohibitive to repair (labor). I'd say that the insurance company will look at this way. You can look at SOB's, but basically they're all built the same way.
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Old 12-10-2020, 06:51 PM   #15
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Thanks, for the responses. Have to see what happens. I am really disappointed in the damage. I was really looking forward to spring, and camping at cape Hatteras. stay tuned, if they do cover it and total it, I could buy something used, the market demand is really high on campers due to covid.
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Old 12-10-2020, 08:23 PM   #16
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I had similar water damage in the same location your speaking of and I traced it to the bottom bracket on the awning.
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Old 12-11-2020, 06:32 AM   #17
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Quote:
Originally Posted by Charles Firth View Post
Thanks, for the responses. Have to see what happens. I am really disappointed in the damage. I was really looking forward to spring, and camping at cape Hatteras. stay tuned, if they do cover it and total it, I could buy something used, the market demand is really high on campers due to covid.
Before you give up have an independent RV repair service check it out. Maybe even a good person that does flooring or contracting will have ideas. I like our dealership but they have to consider time for labor costs that are higher than an independent repair service. If a dealership thinks a repair will be too costly they may just not want to do it.
I am sorry you are having trouble with your WJ. These are usually great trailers. Hopefully this will still be resolved. Your summer plans sound great!
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Old 12-11-2020, 06:29 PM   #18
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still no word from Geico, I have talked with few other rv repair people. One said its a difficult fix, his suggestion was to cover the entire area with cdx plywood, place it over the damaged area and over a large part of the solid area. It would give a raised section in the kitchen only. Attach the plywood to the existing floor with glue, they put laminate flooring over the fix, and of course the quarter round on he edges at the walls. That may be something I can live with, any thoughts ?
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Old 12-11-2020, 06:41 PM   #19
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Sounds like a tripping hazard to me.

Is this a case that it just needs support from underneath? Friends of mine found their Open Range had a good 5' of open space between supports under their floor. It pretty quickly got spongey.

He ended up going under and bolting in new supports for the floor and it fixed their issue.
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Old 12-11-2020, 06:57 PM   #20
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thanks, I have a full under belly cover may be able to get to it there.
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